There is absolutely no negative impact when you check your own credit report via WalletHub. Such credit checks are considered “soft” inquiries, in contrast to the “hard” inquiries that occur when you apply for credit or a loan. You can check out our Credit Pulls Guide to learn more about the difference between hard and soft inquiries, and see what actually stands to hurt you in our article on the Top 5 Factors That Affect Your Credit Score.
When it comes to security, WalletHub uses “https” Web addresses and 128-bit encryption – the same that banks have – to keep your information safe.
To sum things up, not only is WalletHub safe, but we believe it’s the best credit-report site out there, though we’re admittedly biased in saying so. After all, WalletHub is the first and only site to offer free credit scores and full credit reports that are updated on a daily basis. Plus, our free 24/7 credit monitoring service serves as an early-warning system for signs of fraud.